Search for your ideal Midwestern Life Insurance high-value plans with JHN Finance. Secure not only yourself, but your legacy and generations to come after you. OUR PROVIDERS

A professionally crafted Midwestern Life Insurance Plan awaits you! Receive clear direction from a licensed & certified Insurance Broker about protecting your family and growing your wealth today. 5.0 Google Rating | A+ Rating with the BBB Craft Your Life Insurance Plan (612)268-1231 CALL NOW Local Midwestern Agency. We live here. Maximize Wealth & Legacy. We structure plans that protect your family and grow your tax-advantaged capital. Licensed & Professionally Trained Broker Services (Free) OUR PROVIDERS "Jacob has been an absolute treat to work with. Trustworthy. Attentive. I would highly recommend Jacob as you are looking for your next insurance needs." - Amber C. A Local Insurance Agency Licensed & Trained Broker Authority No Cost Services Meet Your Local Minnesota Broker Licensed Agency Licensed Minnesota Insurance Agency. Independent Advocacy We work directly for you , not the national insurance carriers. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ . Proprietary AI Technology The only Twin Cities broker using custom AI to instantly spot hidden risks.

Simplify your life, health, and annuity insurance search with JHN Finance. Choose your coverage type and let our expert brokers find the perfect plan for you. What is Your Insurance Vision? Select which coverage type you are inquiring about: LIFE & ANNUITY HEALTH INSURANCE Simplify your life insurance, health insurance and annuity search by providing pivotal necessary information up front so your broker can shop for the most fitting coverage option for you. JHN FINANCE AI APPLICATIONS Complete a JHN Finance AI life insurance, annuity, or health insurance application for coverage much more conveniently with clear guidance using all-new Google Gemini AI Technology! A+ Rated Accredited Business with the Better Business Bureau Rated a 5 Star Customer Service Experience Business, Retirement, Individual & Family, Solutions First Name Last Name Email How Can JHN FINANCE Help? Phone I agree to receive communications from Jacob Hollingsworth Network Corporation by text message about my inquiry, or for purpose of marketing, customer care or important notices. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Maximize early-year liquidity with Pacific Horizon ECV IUL. Ideal for business planning & premium financing in MN or MO. Get expert advice at JHN Finance Insurance. About Pacific Horizon ECV IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon ECV IUL Infograph Product Thesis The Pacific Horizon ECV IUL serves as a dual-purpose financial instrument that integrates flexible life insurance protection with distinct cash accumulation strategies; it achieves this by leveraging volatility-controlled indexing—specifically the BlackRock Endura® Index—to mitigate market downside risks while utilizing high participation rates and the optional Enhanced Performance Factor Rider (EPFR) to maximize upside potential in uncapped crediting environments. Detailed Analysis To fully support this thesis, the topic must be broken down into its four primary pillars: the underlying insurance structure, the volatility control methodology, the specific crediting accounts, and the performance enhancement mechanics. 1. The Underlying Structure: Flexible Protection The Pacific Horizon ECV IUL is defined as "Flexible Premium Indexed Adjustable Life Insurance". Its primary function is to provide a death benefit that is generally income tax-free to beneficiaries. However, unlike traditional term insurance, it is designed for cash value accumulation that can be used for supplemental retirement income or business asset protection,. Flexibility: Policyowners can adjust premium payments and face amounts, subject to certain limits and approvals,. Protection: The policy includes a guaranteed floor, ensuring that the cash value is protected from index-based losses (though it is still reduced by policy charges). 2. The Engine: The BlackRock Endura® Index A central differentiator of this product is its reliance on the BlackRock iBLD® Endura® VC5.5 ER Index (referred to as the BlackRock Endura® Index). This index is designed to provide more consistent returns than traditional stock indexes by using daily volatility controls. Composition: The index allocates assets between two specific iShares® Exchange Traded Funds (ETFs): iShares Edge MSCI USA Min Vol Factor ETF (USMV): Focuses on equities. iShares 1-3 Year Treasury Bond ETF (SHY): Focuses on short-term U.S. Treasury bonds. Methodology: The index utilizes a "Simple, Strategic, and Steady" approach. It monitors market signals daily; when markets are volatile, it shifts exposure toward bonds/cash, and when markets are favorable, it shifts exposure toward equities. The goal is to mitigate downside risk while capturing growth. 3. The Strategy: Volatility Control Indexed Accounts (VCIA) The Pacific Horizon ECV IUL utilizes "Volatility Control Indexed Accounts" (VCIA) which credit interest based on the performance of the BlackRock Endura® Index. These accounts are distinct from traditional indexed accounts because they feature no growth cap, allowing for potentially higher returns during strong market performance. The product offers two primary VCIA options: 1-Year High Par Volatility Control Indexed Account: This account credits 200% of the index's performance (with a guaranteed minimum of 25%). 1-Year Volatility Control Indexed Account: This account credits 180% of the index's performance (20% guaranteed minimum) but includes an additional fixed account benefit of 0.40%. Thesis Connection: These accounts support the thesis by demonstrating how the policy leverages the stability of the Endura Index (low volatility) to offer high participation rates (180–200%) without placing a ceiling (cap) on the earnings. 4. The Accelerator: Enhanced Performance Factor Rider (EPFR) To further amplify the "upside potential" mentioned in the thesis, the policy offers an optional Enhanced Performance Factor Rider (EPFR) at policy issue. This rider multiplies the interest credited to the policy’s indexed accounts by a "Performance Factor". Design Options: The rider allows the policyowner to toggle between three designs annually: Classic: No rider charge and a performance factor of 1.0 (standard performance). Performance: A moderate monthly charge (annualized approx. 4.98%) for a higher performance factor (current factor 1.91 in years 10–20),. Performance Plus: A higher monthly charge (annualized approx. 7.50%) for the highest performance factor (current factor 2.36 in years 10–20),. Risk vs. Reward: The EPFR introduces a risk/reward trade-off. While it increases the potential crediting rate, the rider charges are deducted regardless of market performance. If the rider charges exceed the segment indexed interest credit, the policy’s accumulated value will decrease. Conclusion The Pacific Horizon ECV IUL is a complex financial tool designed for policyowners seeking to balance safety with aggressive growth potential. By integrating the BlackRock Endura® Index, the policy minimizes exposure to extreme market volatility, while the uncapped Volatility Control Indexed Accounts allow owners to participate in 180% to 200% of that index's growth. The Enhanced Performance Factor Rider further serves as a lever for the policyowner to exchange higher fixed costs for significantly multiplied market-linked returns. Thus, the product functions as a strategic hedge, protecting the "bottom line" through guaranteed floors while attempting to outpace traditional returns through high-participation indexing. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Available products with Humana Insurance through JHN FINANCE. Product descriptions to make an informed decision about your insurance coverage! GET STARTED JHN Finance has products from this provider. BEFORE YOU PURCHASE INSURANCE... DO Purchase without consulting a licensed professional. Skip over professional guidance by going directly to the insurer for a product Purchase, request, or maintain a plan based solely on the popularity of the product Maintain an insurance plan without professional oversight and management Follow advise provided by anyone who does not currently hold a life insurance license Consult your insurance broker Discuss all options available for you Provide as much information as possible to your insurance broker Review all family needs short-term & long-term Configure an insurance plan with your professional short-term & long-term DON'T PRODUCTS MEDICARE ADVANTAGE (MO) PRESCRIPTION DRUG PLANS (MN, MO) Products offered by Healthspring & Cigna ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Healthspring & Cigna ©️ are property of Healthspring & Cigna ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Healthspring & Cigna ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Lock in high guaranteed rates with American Pathways Fixed Annuities by Corebridge Financial. Secure your principal with JHN Finance Insurance in MN & MO today! About American Pathways Fixed Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. AP Fixed Annuity Infograph Product Thesis The American Pathway fixed annuity series functions as a risk-averse retirement strategy designed to mitigate market volatility and longevity risk by providing guaranteed principal protection, fixed interest accumulation, and tax-deferred growth, while trading immediate liquidity for secure, long-term income streams. Detailed Synthesis To support this thesis, the American Pathway products are structured around three core pillars: financial stability independent of the stock market, tax-advantaged accumulation, and distinct product variations tailored to specific time horizons and income needs. 1. Stability and Market Independence The primary value proposition of the American Pathway series is the decoupling of retirement assets from stock market performance. Principal Protection: These annuities provide a guaranteed fixed rate of interest, ensuring that the contract value is not negatively impacted by market downturns. Guarantees: Unlike bank deposits, these are not FDIC insured; rather, all guarantees regarding interest and income payments are backed solely by the claims-paying ability of the issuing insurance company, American General Life Insurance Company (AGL). Predictable Returns: The products offer specific "interest rate guarantee periods." For example, the Fixed 5 and Fixed 7 products allow clients to lock in rates for one, three, five, or seven years, while the VisionMYG offers guarantees extending up to 10 years. 2. Tax Efficiency and Accumulation The product line emphasizes the power of tax deferral to accelerate asset growth compared to taxable accounts. Compound Growth: Taxes on interest earnings are deferred until withdrawal, allowing the money that would have been paid in taxes to remain in the account and earn interest. Tax-Advantaged Distributions: Upon annuitization (converting the contract to an income stream), a portion of each payment is considered a tax-free return of principal (for non-qualified contracts), rather than fully taxable income. 3. Product Variations and Customization The "American Pathway" brand encompasses different annuity structures designed to meet varying liquidity and income goals: American Pathway Fixed 5 & 7: These are single-premium deferred annuities suited for short-to-medium-term accumulation (1 to 7 years). They offer an optional "return-of-premium" guarantee, allowing the return of the initial investment minus net withdrawals at any time, though this feature results in a lower interest rate. American Pathway VisionMYG: Geared toward longer-term accumulation, this Multi-Year Guarantee (MYG) annuity offers rate locks for 4 to 10 years. It features a distinct withdrawal charge schedule that declines over 10 years. Deferred Income Annuity: This product focuses on longevity protection rather than accumulation. It converts a lump sum into a guaranteed future income stream, with options to defer payments for up to 30 years. It includes flexibility features like the "Income Start Date Adjustment," allowing the owner to accelerate or defer the start of payments once within a five-year window. 4. Liquidity Constraints and Costs While offering security, the thesis must acknowledge the liquidity trade-offs inherent in these contracts. Access Limitations: The products are long-term vehicles. While they allow for "penalty-free withdrawals" (typically the interest earned or 15% of the contract value annually), withdrawals exceeding these amounts are subject to withdrawal charges. Market Value Adjustment (MVA): For the Fixed 5, Fixed 7, and VisionMYG annuities, withdrawals made during the guarantee period that exceed the penalty-free amount may be subject to an MVA. This adjustment can decrease the withdrawal amount if interest rates have risen since the contract was issued. Exceptions: To mitigate liquidity risks, the contracts include waivers for terminal illness or extended care, allowing withdrawal charges to be waived under specific severe health conditions. Conclusion In summary, American Pathway fixed annuities constitute a conservative financial instrument. They are engineered for individuals prioritizing the security of principal and guaranteed income over the potential for higher, riskier market returns, accepting restricted liquidity and surrender charges in exchange for protection against market losses and outliving one's assets. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Initiate your corporate healthcare review. Submit your enterprise details to architect a bespoke executive health plan for your Minneapolis workforce. The Corporate Briefing Our briefings analyze your exact needs, your network, and your suitability for premium providers in your area—all while maintaining uncompromising, quality coverage for your entire team. Name & Company Email Address Primary Strategic Focus GATHER MY BRIEFING Your Request has been submitted An error occurred. Try again. JHN Finance | MN License: 40816854 | NPN: 20403215

Protect your future with Value+ Protector annuities from Corebridge Financial. Offered by JHN Finance Insurance in Minnesota and Missouri, these fixed indexed annuities provide growth potential and principal protection. About Value+ Protector III Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Value+ Protector III Infograph Product Thesis Value+ Protector III is a flexible Index Universal Life (IUL) insurance policy designed to serve a dual financial purpose: it secures a legacy for loved ones through a guaranteed death benefit while simultaneously functioning as a versatile financial asset for the policyholder during their lifetime. By leveraging index crediting strategies, the policy offers the potential for cash value growth linked to market performance without exposing the policyholder to direct market losses, thereby providing a "living benefit" that can be used for supplemental income, chronic illness expenses, or emergency needs. Detailed Analysis of the Thesis To understand the complete scope of Value+ Protector III, the topic can be broken down into three core strategic pillars: Protection, Accumulation, and Flexibility. 1. Protection: The Foundation of Security At its core, Value+ Protector III is a life insurance product intended to protect beneficiaries against the financial impact of the insured’s death. Guaranteed Coverage: The policy includes a guaranteed death benefit that extends to age 90, ensuring that coverage remains in force provided premiums are paid and no material changes or excessive withdrawals occur. Chronic Illness Safety Net: The protection extends beyond death. Through the optional Accelerated Access Solution (AAS) rider, the policy acts as a financial shield against chronic illness. If certified as chronically ill, the policyholder can accelerate a portion of the death benefit to cover care costs or lost income, receiving these payments typically free of federal income tax. Return of Premium: Recognizing that financial needs change, the policy includes a rider that allows for the return of premiums paid if the policyholder outlives their insurance needs and chooses to surrender the policy for other uses. 2. Accumulation: Growth Without Market Risk The "Value" component of the product refers to its ability to build cash value over time, distinguishing it from term insurance. Index Crediting Strategies: As an IUL, the policy allows the cash value to grow based on the performance of specific market indices. However, the money is not invested directly in the market. Instead, the policy credits interest based on these strategies, allowing the policyholder to capture potential market upside. Volatility Protection: A central thesis of this product is risk mitigation. It offers protection against market downturns because the policyholder does not own shares in a fund; therefore, while they can gain interest from rising markets, they avoid the direct losses associated with negative market performance. Excess Cash Value: If the index strategies perform better than expected over a 20-year period (or until age 85), the policyholder may be able to withdraw "excess cash value" without reducing the initial life insurance guarantee. 3. Flexibility: Accessing "Living Benefits" The product is marketed with the philosophy that life insurance should help the policyholder "keep moving forward" while they are still alive. Liquidity: The accumulated cash value is accessible through withdrawals or policy loans. This capital can be used for virtually any purpose, such as supplementing retirement income, funding a business, paying for education, or covering emergencies. Loan Options: The policy offers three types of loans—Standard (Fixed), Preferred, or Participating—giving the owner control over how they access their equity. These loans can potentially be income tax-free and do not require a repayment plan. Beneficiary Payment Options: The policy allows the owner to structure how beneficiaries receive the death benefit. Instead of a mandatory lump sum, the payout can be structured as installments (via the Select Income Rider) or a combination of both. This can help beneficiaries manage the assets and may lower policy costs, which enhances cash value growth. Conclusion Value+ Protector III is defined by its ability to mitigate two distinct types of risk: the risk of dying too soon (addressed by the death benefit) and the financial risks of living a long life (addressed by cash value accumulation and chronic illness protection). It posits that modern life insurance should not be a static asset but a dynamic financial tool that minimizes market volatility while providing liquidity for life’s unexpected turns. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

A very brief list of the areas we are closest to as your neighbor! Please note that this list of service areas does not constitute definity; we've served clients in other counties such as Anoka and Dakota. If you need assistance, please reach out no matter where you are in Minnesota or Missouri! AREAS WE SERVE We are a Hennepin County business! With that being said, we're not afraid to travel or provide coverage to those outside of this list to provide coverage. This list is simply designed to provide relativity to let you know where to find us, and to show you how close we are to you as your neighbor. Golden Valley, MN. Minneapolis, MN. New Hope, MN. Plymouth, MN. Maple Grove, MN. Brooklyn Park, MN. Osseo, MN. Brooklyn Center, MN. St. Louis Park, MN. Minnetonka, MN. Crystal, MN. Wayzata, MN. Champlin, MN. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Experiment with the power of Indexed Universal Life (IUL) insurance. Plug in your numbers to get an instant, interactive estimation of your IUL outcomes. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Meet Jacob Hollingsworth, the dedicated life and health insurance broker behind JHN Finance. Learn about his mentorship, his previous works, and how he got into the industry. About the CEO & Founder Jacob Hollingsworth From St. Louis, Missouri, Jacob Hollingsworth born Nov. 19th, 1994, knew he had a mind for business and helping others. In 2017, Jacob moved to Minnesota in hopes of pursuing his mindful vision. In 2018, Jacob received his license as Life, Health & Accident Insurance agent where he worked for World Financial Group as an intern and studied under Kim & Tommy Nguyen. Kim Nguyen with over 21 years of experience as a licensed broker with FINRA, and Tommy Nguyen who trained Jacob in the business of "professionalism". At this time, Jacob trained and eventually began to lead workshops on financial literacy. Including a workshop at the University of Minnesota - Mankato. The CEO had a much larger vision, though. In 2020, Jacob introduced the thought of Jacob Hollingsworth Network Corporation. He envisioned the business as using all of his resources and tools to help people reach the visions they had for their lives. In 2021, Jacob helped 25+ college graduates and future financial industry professionals reach their goals by helping them pass their securities industry FINRA exams with his study program. In 2022, Jacob licensed JHN FINANCE as an insurance agency in the state of Minnesota and licensed the agency as a non-resident agency of Missouri in 2024. The owner now has 8 years of financial industry experience. Business Card Business Card Downloadable file. Licenses & Certifications Small Business Health Options Program (SHOP)Small Business Health Options Program (SHOP) U.S. Department of Health and Human Services (HHS) Licensed Life, Health & Accident Insurance Broker (Minnesota) Licensed Life, Health & Accident Insurance Broker (Missouri) Annuity Suitability Trained (Best Interest Standards) MNsure Certified Insurance Broker America's Health Insurance Plans Certified Federal Facilitated Marketplace Certified for Families & Individuals VERIFY LICENSING JHN Finance operates with complete transparency and holds active, state-verified licenses to protect our clients. We encourage all Minnesota and Missouri residents to verify their broker's credentials before discussing their health or financial legacy. Missouri verifies licensing through the National Association of Insurance Commissioners (NAIC) . Minnesota licensing verification is done through Sircon via the Minnesota Commerce Department - Licensing . National Producer Number (NPN): 18970997 Minnesota State License Number: 40816854 Missouri State License Number: 3003304382 VERIFY LICENSING (MN) VERIFY LICENSING (MO) VERIFY PRODUCER NUMBER ABOUT THE COMPANY FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Please review before entering JHN FINANCE to understand terms, conditions & policies of use. JHN FINANCE Disclaimer, Policies, Terms & Conditions Last Updated: 01/14/2026 1. Introduction & Acceptance of Terms By accessing or using the JHN FINANCE portal (operated by the Jacob Hollingsworth Network Corporation), whether intentionally or unintentionally, you agree to be bound by these Disclaimers, Policies, Terms & Conditions. If you do not agree to these terms, please discontinue use of our services immediately. 2. Regulatory Disclaimers Not an Investment Advisor No Investment Advice: JHN Finance is not in the business of giving investment advice and is not a registered Investment Adviser under the NASAA or the SEC. No Commissions for Advice: We do not charge fees or commissions for investment advisory services. Any material presented on the Jacob Hollingsworth Network is for informational purposes only. Medicare & Insurance Coverage Limitations: We currently represent 3 organizations offering PPO, HMO, PDP, MAPD, and MA products in Missouri & Minnesota. We do not represent all available coverage options in your area. Official Sources: For information on all options, please contact Medicare.gov , 1-800-MEDICARE, or your local State Health Insurance Program. 3. Licensing & Certifications Jacob Hollingsworth Network Corporation (DBA JHN Finance) is a duly licensed Insurance Agency compliant with state and federal regulations: Minnesota: Registered by the Department of Commerce (Resident Agency). Missouri: Registered by the Department of Insurance (Non-Resident Agency). National Registry: Registered with the National Insurance Producer Registry (NIPR). 4. Privacy Policy & Data Protection Data Usage & Confidentiality Privacy Commitment: We will not disclose private information to outside parties unless it benefits the primary information holder and we have obtained written consent. Security: JHN partners with the Wix database to ensure unauthorized sources are denied access to user data. HIPAA Compliance: We comply with HIPAA and civil action laws. Medical conditions are never disclosed to third parties without prior consent, except where required by law. Cookies: By using our website, you agree to our use of cookies to analyze site interaction. "Know Your Customer" (KYC) & Compliance AML Mandate: JHN Finance is mandated to abide by "Know Your Customer" (KYC) protocols under the Anti-Money Laundering (AML) Act. We reserve the authority to request necessary information from users to comply with these laws. Access to Information Personal Requests: You may request your own private information from JHN Finance upon verification of identity. Third-Party Requests: Public parties requesting information about a user must provide written consent signed by that user or valid documentation from a designated legal agent or authority. 5. User Code of Conduct Community Guidelines Users must adhere to the following standards. Violation of these guidelines may result in immediate dismissal from the portal: No Harassment: Verbal or visual abuse, suggestive language, or offensive behavior toward others is strictly prohibited. No Explicit Content: Pornographic material and adult-themed sexual conduct are banned. Profile Accuracy: Member profiles must be true and accurate. Falsification of licenses, identity theft, or "catfishing" is prohibited. Solicitation & Privacy of Others No Solicitation: Active transaction or solicitation of business on the JHN Finance platform is not permitted. Third-Party Privacy: Users do not have the right to disclose the private information of other members or third parties without their express permission. 6. Payment & Refund Policies Premium Collection JHN Finance maintains the authority to collect premiums relevant to services provided on behalf of its insurers. Refund Policy (Study Groups & Products) Discretion: All refunds and reimbursements are at the sole discretion of the Jacob Hollingsworth Network. Study Groups: Refunds are unlikely after completing a Study Group Program. Requests made before completing 50% of the program have a higher likelihood of approval. Policy Exemption: Purchases are not subject to the standard "30/100% Policy." 7. Intellectual Property & Media Release Media Release By joining a JHN FINANCE Study Group, you authorize the Jacob Hollingsworth Network to use any likeness provided for media or marketing purposes. We commit to not using this content to defame or slander participants. 8. Broker Services: State & Federal Marketplaces Agent Eligibility & Suitability Certified Assistance: Only "JHN Finance" certified brokers or agents who have completed all required training and certifications are eligible to assist with plan enrollment, eligibility, and direction within state or federally funded marketplaces. Suitability Standard: When a JHN Finance broker is listed as the "Assister," "Broker," or "Agent" (via writing, verbal consent, or any means deemed true "in fact"), they are responsible for ensuring the recommended health plan is suitable. This applies to qualified, non-qualified, essential needs, or minimum level plans. Limitation of Liability (The "First-Year" Rule) Scope of Responsibility: Following the initial enrollment assistance in a minimum level plan, JHN Finance and its certified agents are not responsible or liable for coverage maintenance beyond the first annual plan year. Renewals & Maintenance: We hold no obligation or liability for: Renewals Disenrollment Re-enrollment Any coverage issues arising after the end of the 1st plan annual health plan year. Applicable Plans: This limitation applies to MinnesotaCare, Medical Assistance, and other minimum level or minimum fee-based health plans. Non-Government Affiliation No Government Employment: No JHN Finance certified broker or agent may claim to represent, or claim to be an employee of, any state or federally funded program. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .